Best Travel Credit Cards in India for 2024

Best Travel Credit Cards for December 2024

Axis Atlas Credit Card

4_/5

Joining fee: ₹5000

Annual/Renewal Fee: ₹5000

2.5X EDGE Miles on Travel spends

Up to 12 international lounge access every year

Travel

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Product Details

• 2,500 bonus EDGE Miles as welcome benefit
• Up to 5 EDGE Miles per Rs. 100 spent on travel
• Redeem EDGE Miles at value of 1 EDGE Mile = 2 Partner Points
• Milestone benefits of up to 5,000 EDGE Miles
• Up to 18 complimentary domestic lounge visits in a year

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Axis Bank Horizon Credit Card

3.5_/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

Up to 32 visits to domestic and 8 to international airport lounges annually

Up to 5 EDGE Miles per Rs. 100 spent; 1 EDGE Mile = 1 Partner Point

Travel

Reward Points

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Product Details

• 5 EDGE Miles on every Rs. 100 spent on Axis Bank Travel EDGE portal and direct airline websites/counters
• 2 EDGE Miles on every Rs. 100 spent on other categories
• 25% off, up to Rs. 800 per month, on dining via EazyDiner, on minimum order of Rs. 2,500
• 5,000 EDGE Miles on the first card spend of min. Rs. 1,000 made within 30 days of card issuance
• 1,500 EDGE Miles as card renewal bonus

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HDFC Diners Club Black Credit Card

4_/5

Joining fee: ₹10000

Annual/Renewal Fee: ₹10000

Unlimited airport lounge access for primary and add-on members

High base rewards rate of 3.33% with 5 reward points per Rs. 150 spent

Travel

Lounge Access

Reward Points

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Product Details

• Up to 10X reward points on SmartBuy and 2X on weekend dining with up to 1:1 redemption ratio
• Annual memberships of Club Marriott, Forbes, Amazon, Swiggy One (3 months) and MMT BLACK on joining
• Low forex markup fee of 2% and renewal of annual complimentary memberships on Rs. 8 lakh annual spends
• Any 2 vouchers of Rs. 500 from Ola cabs, cult.fit Live, BookMyShow, or TataCliQ on Rs. 80,000 monthly spends
• 6 complimentary golf games in a calendar quarter

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Axis Bank Reserve Credit Card

3.5_/5

Joining fee: ₹50000

Annual/Renewal Fee: ₹50000

Unlimited domestic & international lounge visits via Priority Pass

Low forex mark-up fee of 1.5% with 2X reward points on international spends

Travel

Reward Points

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Product Details

• Up to 30 EDGE reward points for every Rs. 200 spent
• B1G1 offer on BookMyShow tickets with up to 5 offer tickets per month
• ITC Culinaire, Accorplus, Club Marriott & EazyDiner Prime memberships & offers on Postcard & Oberoi hotels
• 50 free golf rounds every year across select golf courses in India

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American Express® Platinum Card

4_/5

Joining fee: ₹66000

Annual/Renewal Fee: ₹66000

Vouchers of up to Rs. 60,000 from Taj, Reliance or Postcard Hotels on spending Rs. 50,000 in first 2 months

Complimentary access to multiple lounge access programs

Travel

Shopping

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Product Details

• Benefits of Rs. 44,300 at the finest hotels/resorts worldwide, like the Four Seasons, Mandarin Oriental, The Ritz-Carlton, etc.
• Access to top-tier hotel loyalty programs, like Marriott Bonvoy™ Gold Elite, Hilton Honors Gold, Taj Reimagined Epicure, Radisson Rewards Gold, etc.
• Invitations to VIP-only events & access to pre-sale tickets & some of the best seats at Fashion Week, Grammy Award, Wimbledon, etc.
• Eazy Diner Prime membership with up to 50% off at premium restaurants in India
• Vouchers worth Rs. 35,000 from Taj Hotels, Reliance Brands Ltd., Postcard Hotels on annual spends of Rs. 20 Lakh

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IndusInd Bank Avios Visa Infinite Credit Card

3.5_/5

Joining fee: ₹40000

Annual/Renewal Fee: ₹10000

2X Avios on bookings at Qatar Airways & British Airways

Up to 50,000 bonus Avios as milestone benefit

Travel

Co-branded

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Product Details

• 20,000 Avios and Gold Tier Membership as welcome benefits on choosing Qatar Airways as preferred partner
• Bonus 55,000 Avios as welcome benefit on choosing British Airways as preferred partner
• 5 Avios per Rs. 200 spent at select preferred international destinations for PoS transactions
• 2 international lounge visits per quarter with complimentary Priority Pass Membership
• 2 complimentary meet-and-greet services every year

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6E Rewards XL Indigo HDFC Credit Card

3_/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹2500

Welcome benefits from Accor Hotels & free Indigo 6E Prime Add-on

5% value-back as rewards on IndiGo website and mobile app

Travel

Co-branded

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Product Details

• 5% 6E Rewards per Rs. 100 spent on IndiGo website or mobile app
• 3% 6E Rewards per Rs. 100 spent on dining, grocery, and entertainment spends
• 2% 6E Rewards per Rs. 100 for all other retail spends
• 1 complimentary 6E Prime Add-On and Accor Hotel stay voucher as welcome benefit
• 8 complimentary domestic lounge visits in a year

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Emirates Skywards ICICI Bank Sapphiro Credit Card

3.5_/5

Joining fee: ₹5000

Annual/Renewal Fee: ₹5000

5,000 Skywards Miles on spending Rs. 1 lakh in a year & on joining

Up to 8 complimentary domestic airport lounge visits per year

Travel

Co-branded

Movies

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Product Details

• 2 Skywards Miles per Rs. 100 spent; 1 Skyward Mile per Rs. 100 spent on insurance and utility
• Complimentary Emirates Silver Tier membership and 5,000 Skywards Miles on joining fee payment
• Emirates Silver Tier membership renewal on Rs. 5 lakh annual spends
• Buy 1 get 1 free ticket of up to Rs. 500 on BookMyShow, twice a month
• 2 complimentary international lounge visits with 2 spa sessions at select airports in India per year via Dreamfolks Pass

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Marriott Bonvoy HDFC Credit Card

3_/5

Joining fee: ₹3000

Annual/Renewal Fee: ₹3000

Marriott Bonvoy Silver Elite status with 4x MB Points on partner hotel spends

12 airport lounge access each within and outside India per year

Travel

Co-branded

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Product Details

• 1 free night award and 10 Elite night credits as joining bonus
• 2 complimentary golf access with green fee waiver per quarter across the world
• 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
• 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
• 1 free Night Award each on reaching Rs. 6 lakh, Rs. 9 lakh and Rs. 15 lakh annual spends

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MakeMyTrip ICICI Bank Signature Credit Card

3.5_/5

Joining fee: ₹2500

Annual/Renewal Fee: ₹0

MMT holiday voucher worth Rs. 2,500

Up to 4 My Cash per Rs. 200 spent at MMT

Travel

Co-branded

Check Eligibility

Product Details

• 4 My Cash per Rs. 200 spent on MMT hotel/ holiday bookings & 2 My Cash per Rs. 200 spent on MMT flight bookings
• Up to 4,000 My Cash every year as milestone benefit
• 2 complimentary domestic lounge access every quarter
• 1 complimentary railway lounge access every quarter
• 25% off up to Rs. 150 twice a month on booking min. 2 movie tickets via BookMyShow and INOX

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Yatra SBI Card

3.5_/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Yatra.com vouchers worth Rs. 8,250 as joining benefit

Up to Rs. 4,000 off on flight bookings through Yatra.com

Travel

Co-branded

Reward Points

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Product Details

• Rs. 1,000 off on domestic flight bookings on a minimum transaction of Rs. 5,000 at Yatra
• Rs. 4,000 off on international flight bookings on a minimum transaction of Rs. 40,000 at Yatra
• 20% off on domestic hotel bookings on a minimum transaction value of Rs. 3,000 at Yatra
• 6 reward points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment & international spends
• 1 reward point per Rs. 100 spent on other categories

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Standard Chartered EaseMyTrip Credit Card

3.5_/5

Joining fee: ₹350

Annual/Renewal Fee: ₹350

20% discount on domestic & international hotel bookings via EaseMyTrip

10% discount on domestic & international flight bookings via EaseMyTrip

Travel

Co-branded

Check Eligibility

Product Details

• Save up to Rs. 5,000 on domestic hotel bookings and Rs. 10,000 on international hotel bookings via EaseMyTrip
• Save up to Rs. 1,000 on domestic flight bookings and Rs. 5,000 on international flight bookings via EaseMyTrip
• Flat Rs. 125 off on bus ticket bookings via EaseMyTrip
• 10 reward points per Rs. 100 spent at standalone airline/hotel websites, mobile apps or outlets
• 1 complimentary domestic lounge visit per quarter & 2 complimentary international lounge visits per year

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AU Ixigo Credit Card

3.5_/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

10% discount on travel bookings at Ixigo

4X reward points on train bookings via Ixigo

Travel

Co-branded

Check Eligibility

Product Details

• 10% discount on bus bookings, max. Rs. 300 once per month via Ixigo
• 10% discount on flight bookings, up to Rs. 1,000 once per month via Ixigo
• 10% off on hotel bookings, up to Rs. 1,000 once per month via Ixigo
• 1% fuel surcharge waiver on transactions between Rs. 400 to Rs. 5,000 across all fuel stations in India

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IRCTC SBI Card Premier

3_/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

10% valueback on AC1, 2 & 3, ECC & CC bookings via IRCTC

Rewards redeemable on IRCTC in 1:1 ratio

Travel

Check Eligibility

Product Details

• 2,500 and 5,000 reward points on Rs. 50,000 and Rs. 1 lakh annual travel spends respectively
• Rs. 10 lakh rail accident insurance, Rs. 50 lakh air accident cover & Rs. 1 lakh fraud liability cover
• Save 1% transaction charges on IRCTC railway tickets & 1.8% transaction charges on IRCTC airline tickets
• 8 complimentary visits to railway lounge in a year (Max. 2 per quarter)
• 3 reward points per Rs. 125 spent on dining & utilities & 1 reward point per non-fuel retail spends

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Video: Best Low Annual Fee Travel Credit Cards

Best Low Annual Fee Travel Credit Cards | Best Travel Credit Cards With Low Annual Fee #Paisabazaar

Note: Details mentioned in the video have been sourced from the issuer’s website as of May 2024. For updated information, refer to this page.

Best Travel Credit Cards in India for 2024

Travel credit cards are typically offered in collaboration with popular airlines or travel portals, allowing individuals to avail benefits on the collaborated brand.
However, there are some cards through which you can earn Air Miles on your purchases and later redeem them against your travel bookings. So, here is a list of the best travel credit cards, including both co-branded and generic credit cards.

1. Axis Atlas Credit Card

Joining Fee: Rs. 5,000
Annual Fee: Rs. 5,000

Key Features and Benefits:

• Welcome benefit of 2,500 bonus EDGE Miles on making the first transaction within 37 days of card setup
• 5 EDGE Miles per Rs. 100 spent on monthly travel spends of up to Rs. 2 Lakh
• 2 EDGE Miles per Rs. 100 spent on monthly travel spends above Rs. 2 Lakh
• 2 EDGE Miles per Rs. 100 spent across all categories
• Redeem EDGE Miles through the Travel EDGE platform at a ratio of 1:1 (1 EDGE Mile= Rs. 1)
• Value of 1 EDGE Mile = 2 Partner Points; except for 2 EDGE Miles = 1 Marriott Bonvoy Point
• Up to 12 international lounge access in a year*
• Up to 18 domestic lounge access in a year*
• Milestone benefit of up to 5,000 EDGE Miles*

*Subject to annual spends.

Axis Atlas credit card is an excellent option for those who spend a substantial amount every month on travel as well as other expenses. The card gives up to 5% back on travel spends and 2% back on other categories in the form of EDGE Miles, which can be transferred to domestic and international loyalty program partners of Axis Bank (both airlines and hotels).
Atlas also offers the highest conversion ratio of up to 1:2, where users will get 2 travel partner points for each EDGE Mile. Moreover, the card has a unique tier-based structure; hence, putting maximum spends on the card can help you upgrade to the highest tier that comes with higher benefits. However, being a travel credit card, the only disappointing bit is that this card charges a high forex markup fee of 3.5% and offers no concierge services.

2. Axis Bank Horizon Credit Card

Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000

Key Features and Benefits:

• 5,000 EDGE Miles as joining benefit and 1,500 EDGE Miles on card renewal
• 5 EDGE Miles per Rs. 100 spent on Travel EDGE portal and at direct airline websites/counters
• 2 EDGE Miles per Rs. 100 spent on other spending categories
• 1 EDGE Mile = 1 Partner Point
• Up to 8 international airport lounge visits per year, 2 per calendar quarter
• Up to 32 domestic lounge visits for Visa cardholders and up to 24 domestic lounge visits for Mastercard users every year

Axis Bank Horizon Credit Card offers EDGE Miles with a 5% value-back rate on travel bookings and a base rate of 2% on other card spends. Though the value-back on travel spends is similar to that offered by Axis Atlas, Horizon offers this 5% rate only on Travel EDGE platform and standalone airline platforms.
Moreover, Axis Horizon’s EDGE Miles to travel points conversion ratio of 1:1 is quite good, but you can avail a better conversion ratio to 1:2 by paying a slightly higher card fee of Axis Atlas.
The number of complimentary visits to domestic airport lounges offered by Axis Horizon is quite high when compared to other cards that come with a similar annual fee. For instance, Axis Atlas offers up to 18 visits per year but this benefit is spend-based and can only be maximised on making annual spends of at least Rs. 15 lakh. No such condition is applicable on Axis Horizon.
The bonus EDGE Miles every year is another feature to benefit the frequent travellers.

3. HDFC Diners Club Black Credit Card

Joining Fee: Rs. 10,000
Annual Fee: Rs. 10,000

Key Features & Benefits:

• Annual memberships of Club Marriott, Forbes, Amazon Prime, MMT BLACK, and i on spending Rs 1.5 lakh during the first month
• Unlimited lounge access to 1,000+ airport Lounges in India and across the world for primary and add-on card members
• 5 reward points on spending Rs. 150
• Up to 10X reward points on partner brands
• 2X reward points on weekend dining
• 6 golf games per quarter across selected courses in the world
• Low forex markup fee of 2%

This credit card offers premium features to justify its high annual fee, starting with a strong reward rate of 3.33%, unlimited airport lounge access, and other travel benefits like a low forex markup fee of 2% and concierge services to assist with travel plans and more. While it is ideal for international travellers, the card also offers decent benefits on other lifestyle categories, such as dining, movies, golf, and more.
Overall, this card caters to individuals who seek a wide range of premium benefits across travel, dining, and entertainment. However, it’s best suited for those who are looking for an all-rounder credit card and don’t mind paying a high annual fee.

4. Axis Reserve Credit Card

Joining Fee: Rs. 50,000
Annual Fee: Rs. 50,000

Key Features & Benefits:

• Unlimited complimentary international lounge visits with Priority Pass with 4 additional guest visits per year
• Unlimited visits to select domestic airport lounges for both primary and add-on cardholders on spending Rs. 50,000 in the previous three months
• Hotel benefits with multiple memberships like ITC Culinaire, Accorplus, Club Marriott Asia Pacific, Oberoi Hotels & Resorts, Postcard Hotel
• 15 Edge Reward Points per Rs. 200 spent
• 30 Edge Reward Points  (2x) per Rs. 200 spent internationally
• Low forex markup fee of 1.5%

50 free golf rounds every year across select golf courses in India

Axis Reserve Credit Card has a point-to-mile conversion ratio of 5:2, which might not be the most competitive in the market. Additionally, the reward redemption options are divided into two groups—Group A and Group B—limiting brand choices for users. However, Group B offers a higher annual redemption capping of 4 lakh reward points, making it especially appealing for brand loyalists of Air Asia, ITC, Air India, Spice Jet, Vistara, and others.
While the redemption value may not be the strongest, the card balances this with several other travel benefits, including a low forex markup fee, unlimited lounge access, and premium memberships with five luxury hotel chains, making it a solid choice for frequent travellers.

5. American Express® Platinum Card

Joining Fee: Rs. 66,000 + Taxes
Annual Fee: Rs. 66,000 + Taxes

Key Features & Benefits:

• Complimentary benefits at some of the finest hotels and resorts worldwide, including the Four Seasons Hotels and Resorts, Mandarin Oriental, The Ritz-Carlton, and more
• Access to top-tier hotel loyalty programs, including Marriott Bonvoy™ Gold Elite Status, Hilton Honors Gold Status, Taj Reimagined Epicure, Radisson Rewards Gold Status, and Hertz Gold Plus Rewards
• Free access to over 1,300+ lounges globally every calendar year with the American Express Global Lounge Collection including American Express Lounges, Priority Pass Lounges, Escape Lounges, The Centurion Lounge, Delta Sky Club Lounge (when flying Delta) and Domestic Partner Lounges
• 1 Membership Rewards Point for every Rs. 40 spent
• 3X Membership Rewards Points on all international spends
• 5X Membership Rewards Points on every purchase through Reward Multiplier
• Exclusive invitations to VIP-only events

American Express Platinum Card stands out with its annual fee of Rs. 60,000, the highest among the cards on this list. However, it offers an impressive range of premium benefits that make this fee worthwhile for those who can take full advantage of its features. One of its key highlights is access to the Global Lounge Collection, which includes partnerships with six lounge networks—going beyond the typical Priority Pass or DreamFolks memberships offered by most credit cards.
In addition, the card offers extensive hotel benefits, covering multiple luxury hotel chains and exclusive membership benefits. For frequent travellers, the card also offers accelerated reward points on international travel, adding more value to its perks. Overall, this card is well-suited for individuals with higher incomes who want to avail top-tier travel and hotel benefits through their credit card.

6. IndusInd Bank Avios Visa Infinite Credit Card

Joining Fee: Rs. 40,000
Annual Fee: Rs. 10,000

Key Features & Benefits:

• 5 Avios for every Rs. 200 spent at select preferred international destinations for PoS transactions
• 2 Avios for every Rs. 200 spent on Qatar Airways & British Airways website and app
• 1 Avios per Rs. 200 spent on online spends on select preferred international destinations, domestic & other international destinations and other categories
• 10% discount on flight bookings through Qatar Airways, on choosing Qatar Airways Privilege Club as the preferred airline loyalty programme
• 10% additional discount for Privilege Club members on all flights originating from India, if booked via Qatar Airways platform
• Low forex markup fee of 1.5%
• 2 complimentary meet-and-greet services per year at leading international airports
• 2 international lounge visits every quarter with complimentary Priority Pass membership
• 2 complimentary domestic airport lounge visits every quarter

IndusInd Bank Avios Visa Infinite Credit Card is a premium credit card tailored for those who travel frequently. What sets this card apart is its unique partnership with two airlines, Qatar Airways and British Airways, offering flexibility compared to other co-branded airline cards. Cardholders can earn accelerated rewards and exclusive benefits based on their choice of airline and travel destinations, making it ideal for international travellers.
In addition to airline-specific perks, the card offers a generous number of complimentary lounge visits each year and a low forex markup fee. In addition to this, cardholders can earn Avios points and redeem them for flight bookings and other travel-related expenses. Overall, it’s a well-rounded option for frequent flyers who prefer flexibility and premium travel benefits.

7. Kotak IndiGo Ka-ching 6E Rewards XL Credit Card

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500

Key Features and Benefits:

• Complimentary IndiGo air ticket worth Rs. 3,000 as a welcome benefit
• 6 points on every Rs. 100 spent on IndiGo airlines
• 3 points on every Rs. 100 spent on partner merchants (Dining, Grocery, Entertainment, etc.)
• 2 points on every Rs. 100 spent on other categories
• Complimentary Prime add-ons worth Rs. 899, including priority check-in, choice of seat, complimentary meal and quicker baggage assistance
• 8 complimentary domestic lounge access every year

Kotak IndiGo Ka-ching 6E Rewards XL Credit Card majorly offers value back through the rewards program. The card offers benefits similar to HDFC IndiGo XL, including accelerated reward points on IndiGo spends, domestic lounge access, and a discounted convenience fee on IndiGo tickets.
However, at a slightly higher annual fee, this card marginally surpasses HDFC IndiGo XL with a reward rate of 6% on IndiGo spends, offering better value back. When it comes to international travel, the card fails to offer basic benefits like international lounge visits, especially at an annual fee of Rs. 2,500, users would expect at least one or two international lounge visits.

8. Emirates Skywards ICICI Bank Emeralde Credit Card

Joining Fee: Rs. 10,000
Annual Fee: Rs. 10,000

Key Features & Benefits:

• 2.5 Skywards Miles on every Rs. 100 spent
• 1 Skywards Mile on every Rs. 100 spent on insurance & utility
• Unlimited complimentary domestic lounge visits
• Unlimited complimentary international lounge and spa visits at select airports in India via Dreamfolks Pass
• Buy one ticket and get up to Rs. 750 off on the second ticket, 4 times every month via BookMyShow

Emirates Skywards ICICI Bank Credit Card is designed specifically for frequent Emirates flyers, offering a range of travel-related benefits. Cardholders can earn up to 2.5 Skywards Miles on every spend and later redeem them for flight bookings or upgrades through Emirates.
For those who travel often, the card also offers unlimited complimentary domestic and international airport lounge access, along with free spa sessions—making it a good option for frequent international travellers who prefer flying with Emirates.
However, if you don’t have a specific airline preference, you can consider airline-agnostic cards like Axis Atlas or Axis Horizon.

9. Marriott Bonvoy HDFC Bank Credit Card

Joining Fee: Rs. 3,000
Annual Fee: Rs. 3,000

Key Features & Benefits:

• 1 Free Night Award, Complimentary Marriott Bonvoy Silver Elite Status and 10 Elite Night Credits as welcome benefits
• 8 Marriott Bonvoy Points per Rs. 150 spent at hotels participating in Marriott Bonvoy
• 4 Marriott Bonvoy Points per Rs. 150 spent on travel, dining & entertainment
• 2 Marriott Bonvoy Points per Rs. 150 spent on all other applicable purchases
• 12 complimentary lounge access each year outside India
• 12 complimentary lounge access each year, within India at both domestic and international terminals each year
• Up to 3 Free Night Awards every year as milestone benefits

Marriott Bonvoy HDFC Card is designed to offer a range of benefits for those who frequently stay at Marriott-owned properties. From rewards on activation to milestone benefits, this card offers multiple ways to earn and redeem Marriott Bonvoy Points. These points can be used for travel services or to book stays at luxurious hotels like St. Regis, JW Marriott, Le Méridien, Sheraton, and many more participating properties.
In addition to the perks at Marriott hotels, the card also offers a generous number of complimentary international and domestic lounge visits, making it a valuable option for frequent travellers. With its blend of hotel and travel benefits, the card caters well to individuals who prefer to avail premium travel benefits.

10. MakeMyTrip ICICI Bank Signature Credit Card

Joining Fee: Rs. 2,500
Annual Fee: Rs. 2,500

Key Features and Benefits:

• 1,500 My Cash, MMT holiday voucher worth Rs. 2,500 and Complimentary MMTBLACK Exclusive Membership as welcome benefits
• 1.25 My Cash per Rs. 200 spent on domestic transactions outside MakeMyTrip
• 1.50 My Cash per Rs. 200 spent on international transactions outside MakeMyTrip
• 2 My Cash per Rs. 200 spent on flight bookings via MakeMyTrip
• 4 My Cash per Rs. 200 spent on hotel/ holiday bookings via MakeMyTrip
• 1 complimentary railway lounge access in a quarter to participating lounges in India
• 2 complimentary domestic airport lounge access by spending Rs. 5,000 in the quarter
• 1 international lounge access per year through complimentary Dreamfolks membership

MMT ICICI Bank Signature Credit Card offers exclusive benefits on MakeMyTrip, with a welcome voucher and an impressive reward structure. All rewards earned are transferred to the MMT account as My Cash, at a value of 1 My Cash = Rs. 1. However, unlike other co-branded cards, such as Standard Chartered EaseMyTrip or Yatra SBI, this card offers benefits only on the bookings at the MMT portal.
Users are not rewarded for travel spends other than the MMT portal, which might affect some consumers. Therefore, if you are someone who relies completely on MMT to plan your vacations, this card can be a suitable option for you.

11. Yatra SBI Credit Card

Joining Fee: Rs. 499
Annual Fee: Rs. 499

Key Features and Benefits:

• Welcome vouchers of Yatra.com worth Rs. 8,250
• Rs. 1,000 off on domestic flight bookings on a minimum transaction of Rs. 5,000
• Rs. 4,000 off on international flight bookings on a minimum transaction of Rs. 40,000
• 20% off (Max. Rs. 2,000) on domestic hotel bookings on a minimum transaction value of Rs. 3,000
• 6 reward points on every Rs. 100 spent on departmental stores, grocery, dining, movies, and entertainment
• 6 reward points on every Rs. 100 spent internationally
• 1 reward point for every Rs. 100 spent on other categories

Available at an annual fee of Rs. 499, Yatra SBI Credit Card offers welcome benefits worth up to Rs. 8,250 in the form of Yatra Vouchers. Users will also get a direct discount on their flight and hotel bookings made via Yatra.
Also, being a travel credit card, the reward earning rate of 6% on day-to-day spends like groceries, dining, etc. is a decent benefit. Users can redeem the accumulated reward points against Yatra.com discount vouchers. However, one thing that reduces the overall value of this card is the low redemption ratio of 4:1. This is a suitable option for people looking for a card with all-round benefits, primarily inclined towards travel.

12. Standard Chartered EaseMyTrip Credit Card

Joining Fee: Rs. 350
Annual Fee: Rs. 350

Key Features and Benefits:

• 20% discount (Max. Rs. 5,000) on domestic hotel bookings at EaseMyTrip
• 20% discount (Max. Rs. 10,000) on international hotel bookings at EaseMyTrip
• 10% discount (Max. Rs. 1,000) on domestic flight bookings at EaseMyTrip
• 10% discount (Max. Rs. 5,000) on international hotel bookings at EaseMyTrip
• 10 reward points on every Rs. 100 spent at standalone airline/hotel websites, mobile apps or outlets, except any travel aggregators
• 2 reward points for every Rs. 100 spent on other categories
• 1 complimentary domestic lounge visit per quarter
• 2 complimentary international lounge visits per year

Standard Chartered EaseMyTrip Credit Card offers the highest benefits on your bookings via EaseMyTrip. With this card, you can get a direct discount on your flight and hotel bookings without any minimum transaction limit. The card offers benefits similar to Yatra SBI Card by offering discount along with reward points.
However, Yatra SBI Card comes with a minimum transaction limit. While co-branded cards like MMT ICICI Platinum restrict their benefits to the MMT portal only, this card offers accelerated rewards on travel spends other than the EaseMyTrip portal as well. This is an ideal option if you want to earn basic travel benefits and don’t want to pay a high annual fee.

13. Ixigo AU Credit Card

Joining Fee: Rs. 999
Annual Fee: Rs. 999

Key Features and Benefits:

• Zero forex markup fee
• 20 reward points for every Rs. 200 spent on train bookings via Ixigo
• 16 complimentary domestic railway lounge access every year
• 10% off on bus bookings, up to Rs. 300 once per month via Ixigo
• 10% discount on flight bookings, up to Rs. 1,000 per month via Ixigo
• 1 complimentary international lounge access every year
• 16 complimentary domestic airport lounge visits every year
• 5% off on hotel bookings, up to Rs. 1,000 once per month via Ixigo
• Bonus 1,000 reward points and Ixigo money vouchers worth Rs. 1,000 as welcome benefits
• 10 reward points for every Rs. 200 spent online
• 5 reward points for every Rs. 200 spent offline

Ixigo AU Credit Card targets people who frequently travel by bus and train. With direct discount on Ixigo spends and accelerated reward points on online spends, cardholders can save on their travel bookings other than Ixigo as well.
Also, the discount on Ixigo spends can be availed every month, making it a suitable option for frequent travellers. If you are a beginner or an Ixigo loyalist, this credit card can be a great way to save on travel spends, especially if you do not have any other credit card. However, apart from a zero forex markup fee, this card does not offer any benefits on international travel, which might be a drawback for some consumers.

14. IRCTC SBI Card Premier

Joining Fee: Rs. 1,499
Annual Fee: Rs. 1,499

Key Features and Benefits:

• 10% value back on AC1, AC2, AC3, AC CC as reward points for your ticket purchases via IRCTC website or mobile app
• 5% value back on air ticket & e-catering purchases on IRCTC
• 1% transaction charge waiver on railway ticket bookings through www.irctc.co.in
• 1.8% transaction charge waiver on airline ticket bookings through www.air.irctc.co.in
• 3 reward points for every Rs. 125 spent on dining and utility
• 1 reward point for every Rs. 125 spent on other purchases
• 8 complimentary railway lounge access in a year to participating lounges in India

IRCTC SBI Card Premier is an advanced version of IRCTC SBI Platinum Credit Card. At an annual fee of Rs. 1,499, the card offers decent benefits for people who travel domestically via train.
With a slightly higher annual fee, this is the best credit card among other IRCTC co-branded cards like IRCTC HDFC or IRCTC BoB by offering a value back of 10% along with 1 reward point per Rs. 125 on IRCTC bookings. Also, the card compensates for its joining fee by offering 1,500 reward points worth Rs. 1,500 against your travel bookings at IRCTC.